Retail Support Customer Service

CLINTON BROWN

*** *. ***** **** ***********, NC *8117 704-***-**** (cell)

*****@**********.***

Alcova Mortgage, LLC, Roanoke, VA Underwriter 2020 to 2022 Remote Underwrite, JUMBO, FNMA, FHMLC, Conventional, FHA, VA, USDA loans for Retail Underwriting Teams. Evaluate and calculate Self Employment income with Personal and Business returns. Also evaluate W2, 1099m SSI, Retirement, Pension Income. Evaluate income to liabilities to determine credit worthiness for Purchases and Refinances of Home Loan

Better.com, Charlotte, NC Sr. Underwriter 2020 to 2020 Remote Employment for loans W2 for wage Underwrite, qualifying earners, Income, purposes, JUMBO, Business and Social FNMA, analyzing and Security, Personal Conventional loans Retirement, Tax for Returns Risk, Mortgages Pension, for and purchase for Profit and Retail Support and and Underwriting. Loss. refinance Income. Reviewing of Reviewing home Evaluate of loans. income Self Ally Bank, Charlotte, NC Sr. Underwriter/Sr. Analyst 2013 to 2020 Underwrite JUMBO, FNMA Conventional Mortgages for Retail Underwriting. Evaluate credit, calculate and review income documents (paystubs, SSI, Retirement, Pension, Tax Returns, etc.) for loan qualifying. Review Appraisals, and asset statements. Assist and train new employees. Also assisted other underwriters with underwriting decisions. Manage a BULK pipeline for purchases, Underwrite and review Loan Modifications for additional Risk Assessment for purchases and HELOC line updates. Developed process flows and training flows for underwriting processes in retooling process changes. Wells Fargo, Charlotte, NC Sr. Underwriter 2012 to 2013 Underwrite JUMBO, Conforming and Non-Conforming, CONV/ FHA/ FNMA/FHMLC for Retail Channel. Evaluate credit, appraisal review, income documentation, analyzing Tax Returns. Maintain customer relationship with borrowers and with internal Bank sales and processors. Maintain update knowledge of internal and external guidelines

Fifth Third Bank, Charlotte, NC Sr. Underwriter 2010 to 2012 Underwrite JUMBO, CONV, FHA, FNMA/FHMLC Mortgages for Wholesale, Retail and Correspondent Evaluate credit, appraisal, income for credit worthiness and for data clarity Maintain a good working relationship with Mortgage Brokers, Correspondent Lenders and internal Account Executives with company.

Review credit policies and adhere mortgage programs to guidelines for investors Wells Fargo Bank, Charlotte, NC Government Underwriter 2009 to 2010 Underwrite FHA, USDA Mortgages Evaluate and review appraisal reports for accuracy and data clarity Customer service relationship with Mortgage Brokers and internal Account Executives Review income and credit for program approvals

Bank of America, Charlotte, NC Government Underwriter 2009 to 2009 Underwrite JUMBO, FHA, CONV. FNMA, FHMLC, Jumbo and Super Conforming Mortgages Excellent customer service levels to assist internal Mortgage Loan Officers Evaluate and review appraisal reports for accuracy Assessment of income and credit worthiness for FHA, CONV, FNMA and FHMLC Loan programs Equity Services, Inc, Huntersville, NC Sr. Underwriter 2008 – 2009 Underwrite Conventional, Jumbo, FNMA, FHMLC, USDA and FHA Mortgages Excellent customer service levels to assist Mortgage Brokers and Account Executives Train lower-level staff members to assist in job responsibilities A Lending Trained Review and evaluate appraisal reports. CitiMortgage, Irving, TX Sr. Credit Trainer 2007-2008 Certified Credit Trainer Development of new comprehensive credit training programs for Retail and Wholesale Lending Responsible for assessment of credit criteria, and create and update training materials Coordinate and facilitate training sessions for underwriting, sales and operation needs Manage credit training schedules Assist in the maintenance of training records and employee development database Wells Fargo Mortgage, Ft. Mill, SC Sr. Underwriter 2003 – 2007 Sr. Underwriter, Processor, Subject Matter Expert, Trainer Underwrite average of 100+ files per month, and maintain quality within top 3 of Business Unit Top underwriter in production and quality and $1M mortgage lending authority Second Level Reviews of Jr. Underwriters and Non-Lending Authority Managers files to obtaining lending authority and reduce errors by 80% Provide work direction and training to junior staff to include coaching different level underwriters, managers on underwriting decisioning, departmental operational procedures, policies and training off site team member groups in Des Moines, IA Wachovia Bank, Charlotte, NC Sr. Decisioner/Processor 2000 – 2003 2001 Underwriter of the year for production and quality Top 5% tier of underwriting and performance monthly by producing and keeping within compliance standards of a team of 140 underwriters/decisioners $900K lending authority for mortgage lending. Assisted manager with team responsibilities for training new underwriters/decisioners

Asset Recovery Specialist 1998-2000

Managed asset recovery portfolio of losses from insured mortgage claims Recovery average of $1.5M per month by collaborating with mortgage insurance company with recovery of loss of assets Maintained reporting statuses and customer service levels to assist with loan loss recovery Sr. Collector 1996-1998

Within top 5% of call center collection team of recovery of delinquent losses Trained new collectors to maintain a delinquency performance of less than 1% Handled collection strategies, escalation calls, second voicing calls, analyzed credit reports, staff scheduling and motivating and training staff to raise collections

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